The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$3,743
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,859
−HK$118/mo
Today · 4.125%
HK$3,977
baseline
▲ 0.50% · 4.625%
HK$4,219
+HK$242/mo
Deposit HK$821K · loan HK$821K · min. income ≈ HK$7,954/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,164
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,275
−HK$114/mo
Today · 4.125%
HK$4,389
baseline
▲ 0.50% · 4.625%
HK$4,620
+HK$231/mo
Deposit HK$821K · loan HK$821K · min. income ≈ HK$8,778/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,491
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,631
−HK$142/mo
Today · 4.125%
HK$4,773
baseline
▲ 0.50% · 4.625%
HK$5,063
+HK$290/mo
Deposit HK$657K · loan HK$985K · min. income ≈ HK$9,546/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,996
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,130
−HK$136/mo
Today · 4.125%
HK$5,266
baseline
▲ 0.50% · 4.625%
HK$5,544
+HK$278/mo
Deposit HK$657K · loan HK$985K · min. income ≈ HK$10,532/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,240
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,403
−HK$165/mo
Today · 4.125%
HK$5,568
baseline
▲ 0.50% · 4.625%
HK$5,907
+HK$339/mo
Deposit HK$492K · loan HK$1.15M · min. income ≈ HK$11,136/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,829
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,985
−HK$159/mo
Today · 4.125%
HK$6,144
baseline
▲ 0.50% · 4.625%
HK$6,468
+HK$324/mo
Deposit HK$492K · loan HK$1.15M · min. income ≈ HK$12,288/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,737
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,946
−HK$213/mo
Today · 4.125%
HK$7,159
baseline
▲ 0.50% · 4.625%
HK$7,595
+HK$436/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$14,318/mo (50% DSR)
Upfront cash ≈ HK$164K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,494
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,695
−HK$204/mo
Today · 4.125%
HK$7,899
baseline
▲ 0.50% · 4.625%
HK$8,316
+HK$417/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$15,798/mo (50% DSR)
Upfront cash ≈ HK$164K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).